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  • Credit Card BYTES FROM OUR KITCHEN

    Activation And Deactivation Of Credit Card Auto Debit Facility

    A credit card is an exciting banking product offered by several banking companies today. It enables users pay merchandisers for services and commodities on the basis of users’ promises to credit card companies.

    Credit cards differ from cash cards and charge cards, and provide significant benefits to cardholders, including an auto debit facility. What is an auto debit? An auto debit is a money transfer slated on a specific date to remit recurrent bills such as home mortgage EMIs, property loans, vehicle loans, utility bills, credit card bills, etc. The credit cardholders who enroll for an auto debit service are entitled to receive significant benefits.

    Activation Of Credit Card Auto Debit Facility Online

    An auto debit facility on credit cards is offered upon a request made by cardholders, but it is not compulsory. Whether or not to use this facility is left at the discretion of credit card users. This option holds good for some people, but not for all.

    Different people have different opinions when it comes to making payments. Some people prefer making payments online while others do not. The credit card auto debit can be activated online within a few minutes. For more details, the customer care professionals of respective bankers can be contacted.

    Prime Benefits Of Credit Card Auto Debit Feature

    The activation of credit card auto debit offers significant advantages. The prime benefits are listed below:

    • Timely and consistent payments can be assured and time can be saved.
    • Customers avoid paying unnecessary late payment fees and charges.
    • It is the most convenient option to make payments online.
    • The risk of identity theft can be lessened.
    • Cardholders can build and maintain a credit history through consistent payments. They can also get reward points and build a good credit score.
    • It offers flexibility in terms of payment methods, which are two in number: 1) total amount due (TAD) and 2) minimum due amount (MDA).

    Demerits Of Activating Credit Card Auto Debit Facility

    • Customers may lose track on monthly bills since they are automatically paid.
    • Sometimes, a few companies may ask customer pay a fee for offering this facility.
    • Stopping automatic payments may be difficult.
    • Customers should have an adequate account balance. If not, they have to pay bank overdraft fees.

    Deactivation Of Credit Card Auto Debit Facility Online

    The deactivation of credit card auto debit can be done online by following the guidelines provided by your bankers. Experts suggest not to deactivate an auto debit facility unless you really require it. The deactivation of credit card auto debit can be initiated whenever you want. The following are a few circumstances that necessitate you to deactivate the auto debit facility on your credit cards:

    • When you change a job, you may or may not continue banking with the previous bank account and credit card account,
    • When you want to close the existing credit card account and obtain new offers,
    • When you change the job location and,
    • When the bank balance is insufficient to make payments.

    Merits Of Deactivating Credit Card Auto Debit Feature

    Monthly payments can be tracked easily by customers who prefer making payments in cash. The deactivation of credit card auto debit has been a good option from the stance of the people, who cannot maintain consistent cash inflows. It holds appropriate for multiple credit cardholders as well.

    Demerits Of Deactivating Credit Card Auto Debit Facility

    • Credibility and credit scores may be affected negatively.
    • Other payment options consume time.
    • The people who have not enrolled for this facility may face the risk of identity theft.
    • Sometimes, you may default on payments. Late payments attract late payment fees and charges, which in turn overburden your financial obligations.

    Process To Activate SBI Credit Card Auto Debit Facility

    SBI customers are required to download the auto debit activation form from the website of the bank, which is www.sbicard.com, and then the form should be filled in and cross-validated by your concerned banker. The physical copy should be sent to the below cited address:

    SBI Cards and Payment Services Private Limited

    P.O. Bag No.28, GPO, New Delhi – 110001

    Details to be furnished in an auto debit form for SBI credit cardholders

    • You have to furnish your SBI account number and SBI credit card number.
    • You have to specify any one of the two payment options: 1) minimum amount due (MAD) and 2) total amount due (TAD).
    • Personal details such as name, address, Email id and contact number should be furnished.
    • You have to specify the name and address of your bank branch along with the code of the branch.

    Process To Deactivate SBI Credit Card Auto Debit Feature

    You have to download the auto debit deactivation letter from the official website of the bank, which is www.sbicard.com, and then you have to fill it. The letter should be sent to the below mentioned address:

    SBI Cards and Payment Services Private Limited

    P.O. Bag No.28, GPO, New Delhi – 110001

    This is how you can stop the facility of credit card auto debit offline.

    Process To Activate HDFC Credit Card Auto Debit Facility

    HDFC customers have to follow the below mentioned steps to activate the credit card auto debit online:

    For new bills

    1. Login to HDFC internet banking using your credentials.
    2. Once you are logged in, please find the ‘Billpay and Recharge’ button.
    3. Click the ‘Billpay and Recharge’ button. Upon clicking the button, you will find the ‘Add Biller’ button.
    4. Click the ‘Add Biller’ button, you will find the ‘Enter new bill details’ button.
    5. You have to choose the credit card option and standing instruction.

    For registered bills

    1. Login to HDFC internet banking using your credentials.
    2. Once you are logged in, please find the ‘Billpay and Recharge’ button.
    3. Click the ‘Billpay and Recharge’ button. Upon clicking the button, you will find the ‘Standing Instruction’ button.
    4. Click on Modify, Delete and Set in order to choose the bill for which you are willing to set standing instruction for.
    5. Click on Set and then furnish your credit card details, including the credit card number and the expiry date.

    Process To Deactivate HDFC Credit Card Auto Debit Facility

    HDFC customers can deactivate the credit card auto debit facility online by following the below cited steps:

    1. Log on to your HDFC internet banking.
    2. Find the ‘Bill Pay and Recharge’ button and click.
    3. Click the ‘Continue’ button.
    4. Click the ‘Standing Instruction’ button.
    5. Click the ‘View/Stop Scheduled Bills’ button.
    6. Find the name of the biller and click the ‘Stop’ button.
    7. Find the ‘My Billers’ button and click.
    8. Click the ‘View/Delete Billers’ button.

    Step 9) Now, the screen will display the list of active billers. Click the blue ‘Trash’ icon to remove the biller.

    Process To Activate ICICI Credit Card Auto Debit Facility

    ICICI Credit Card Auto Debit Activation Online

    ICICI customers can activate the credit card auto debit service online. To do it, one must have online banking service enabled. If not, you should obtain online banking credentials.

    Once you are logged in to your ICICI online banking, Click the ‘’My Accounts’ button and navigate to ‘Credit Cards’ section.

    Find the ‘Auto Debit Setup’ button and click. Find the ‘Auto Debit Instructions Confirmation’ button and click. This is the field that requires you to choose your credit card and bank account number. Set Up Auto Debit should be set to ‘Yes’. Finally, you should choose the mode of payment of your choice.

    Click the ‘Submit’ button. You are done!

    Process To Deactivate ICICI Credit Card Auto Debit Facility

    1. Login to ICICI net banking using your credentials.
    2. Navigate to ‘My Accounts’ section and select the ‘Credit Cards’ button.
    3. Click the ‘Credit Cards’ button to find the ‘Auto Debit Set Up’ button.
    4. Set the status of Set Up Auto Debit to ‘No’.

    Process To Activate Axis Bank Credit Card Auto Debit Facility

    1. Log on to you Axis bank online banking using your credentials.
    2. Click the ‘Cards’ button and select the ‘Auto Debit’ option.
    3. Choose the credit card number and click the ‘Submit’ button.
    4. Select the payment option. It should be either Total Amount Due or Minimum Amount Due. Hit the ‘Submit’ button.
    5. Provide OTP. You are done!

    Process To Deactivate Axis Bank Credit Card Auto Debit Facility

    Axis Bank customers can stop the credit card auto debit service online. No funds shall be transferred to your billers once you deregister the Axis credit card auto debit facility. If you don’t have credentials for accessing Axis Bank internet banking, be sure to get it.

    Process To Activate Citibank Credit Card Auto Debit Facility

    1. Login to Citibank internet banking.
    2. Click the ‘Payment’ button and the ‘Manage Autopay’ button.
    3. Click the ‘Enroll on the Account’ button and choose the account you want to sing up.

    How To Deactivate Citibank Credit Card Auto Debit Online

    The facility of Citibank credit card auto debit can be deactivated online to assure that no funds are transmitted to billers. Make sure your Citibank online banking is enabled. If not, get it done.

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